Ready to go paperless? Manilla lets you see your bills at a glance and, if you opt in, alerts you via email, SMS, or smartphone notification when one is coming due. The service can't process payments: You click on an account to log on to the biller's site. Manilla also keeps tabs on when frequent-flier miles and other rewards are set to expire. The company makes money by charging partners to host their bills digitally, so firms no longer have to pay to send you a paper statement.

The promise: Scans your credit and debit cards for "gray charges."Price: Free for up to three credit cardsAvailable on: Website, iPhone

BillGuard spots charges you may miss, like the "free" credit report that signed you up for credit monitoring. The service "saves time people spend poring over their statements," says Aite Group analyst Ron Shevlin.

The site also helps with billing disputes. So far, the firm says, users have gotten $1.2 million in refunds.

The app is available only through Apple Passbook and can't be used on an iPad.

The promise: Compares your energy bills with those of similar homes and gives suggestions for how to shrink costs.Price: FreeAvailable on: iPhone, Android

Describe your house, and the site, which makes money by licensing its technology to companies looking to reduce their energy use, calculates how much you might save.
Wattzon gives information about improvements -- such as adding insulation or using efficient light bulbs -- as well as associated rebates and tax credits.

Skype: The free service is supported by ads targeted to your age, gender, and location. The premium service costs $4.99 a month.Viber: Routes calls to non-Viber users through your cell plan. Video calls not supported.

THE WINNER

Skype: Yes, the ads are annoying, but Skype is still the more useful choice. Until Viber lets you talk to people who don't have the app -- without using your cell minutes -- the service stays at No. 2.

Availability: Both apps are available on the iPhone, Android and Windows Phone. Skype is available on its website. Viber is also available on the BlackBerry.

The promise: Alerts you the moment an item you want goes on sale.Price: FreeAvailable on: Website, browser add-on

Add Hukkster to the bookmark bar of any major browser. When you spot, say, a nice duvet at Macys.com, click on the item, then on your "Hukk It" bookmark. You'll get an email or text if the price falls.

Choose to get the heads-up as soon as the product is marked down, when the price drops by 25%, or only for a dip of 50% or more. If you decide to buy, Hukkster gets a cut.

This Chrome-only browser extension (get it at JoinHoney.com) adds a "Find Savings" button to the checkout page of 100-plus shopping sites, including Amazon.com.

Hit the button, and Honey will find and apply any available discounts to your order. The service saves time and money, says Lifehacker editor Adam Dachis: "It spares you the extra step of testing the coupon codes."

The fight: Price comparison apps
Both apps will scan a product's bar code and search for the best available price. Which one is the best price detective?

STRENGTHS

RedLaser: The most comprehensive search results. Particularly strong on nearby brick-and-mortar listings.InvisibleHand: Often lists shipping costs. Save a scanned item and get an alert if the price drops or hits a certain level.

DOWNSIDES

RedLaser: Shipping and tax aren't usually factored into price comparisons.InvisibleHand: Searches only online results. So far the app is available just for iOS.

THE WINNER

It's a draw: Having two scanners is a good idea. The apps use different algorithms, and one may catch a deal the other missed, says bargain-shopping expert Andrea Woroch.

Availability: RedLaser is available on the iPhone, Android and Windows Phone. InvisibleHand is only on the iPhone. Both apps are free.

Price: FreeAvailable on: Website
Looking for the right savings account, credit card, cable company, or wireless service? Tell BillShrink a bit about your needs and usage, and the site will find your best match.

Timing Your Spending

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Malaysia Jill

I'm a "saveaholic" and YNAB is definitely my favorite!!!

Here are my other "Saving Money Tips"

1) drop the smart phone and get a "dumb" one. Save about $50 per month. Get a low-priced tablet (e.g., Kindle Fire) or use your old iPhone as a wi-fi only device. Wi-fi is available everywhere; you really don't need to pay for cell-based data plans

2) call your car and home insurance company and tell them you want to go through all your coverage because you found another carrier that is cheaper. They'll probably help you "find" 10% off or more.

3) speaking of car insurance - An expensive policy from GEICO, Progressive, etc. is not needed. You can find one usually for less than $25/month from 4AutoInsuranceQuote. If you spend too much on car insurance from one of those big companies, chances are you are simply funding their expensive TV ads with cute animals.

4) compare what your house is really worth to your assessment. Many assessments have never been properly adjusted down to reflect the market over the last 4 years. We cut our property taxes by about 20%.

5) re-fi your 30-year mortgage to a 15. The interest rate will drop by at least 50-75 bps, more depending on your current rate. The payment may go up slightly, but it is because you are paying off your loan faster. If it's possible, get the mortgage paid off before the kids go to college. At a minimum, have it paid off before you retire.

6) review your credit card bills for all the things you are paying $10-20 per month for that you no longer need. I bet everybody has at least a couple

7) drop all magazine (paper and on-line) subscriptions. If you look around, you can find comparable content for free.

8) review your investment portfolio for ways to replace higher fee mutual funds or ETFs with lower fee ones. S&P500 funds/ETFs shouldn't charge more than 0.10% in fees. Fees may be higher for specialty funds, but they are all coming down fast. If your company 401K uses high-fee funds, talk to the folks in charge. A difference of 25 bps in fees will mean a difference of about 5% in your portfolio value after 25 or 30 years.

9) and of course the most impactful -- never carry a balance on a credit card. If you can't resist, cut up the cards.

Thanks for the list..we are also using an app called Spin Streak. It is a free mobile app for iPhone & Android that let's you win prizes, discounts and gain loyalty at participating locations. I use it in Saint Louis, but it is currently in several cities: http://www.spinstreak.com

Another great one, especially for kids, is Allogator. It helps you allocate money into three separate accounts of your choosing. It even helps you calculate how much to save for a big purchase. www.allogatormoney.com